KHUSHI NAGPAL
HANUMANGARH
Summary
Dynamic banking professional with extensive experience at HDFC Bank, excelling in cash management and customer service. Proven ability in cross-selling bank products and building strong client relationships. Proficient in MS Office, ensuring compliance with regulations while enhancing client satisfaction and retention through effective communication and problem-solving skills.
Overview
2
2
years of professional experience
1
1
Certification
Work History
Teller (Cashier)
HDFC Bank
09.2024 - Current
- Managed daily cash transactions including deposits, withdrawals, and remittances with high accuracy.
- Delivered excellent customer service, improving client satisfaction and retention.
- Resolved customer queries regarding accounts, balances, and banking services, enhancing customer understanding and satisfaction.
- Executed cheque clearing, demand drafts, and fund transfers (NEFT/RTGS/IMPS), ensuring timely and accurate processing.
- Maintained proper cash balance and performed end-of-day reconciliation without discrepancies.
- Ensured compliance with banking regulations, KYC norms, and internal audit requirements.
- Identified and reported suspicious transactions as per AML guidelines.
- Facilitated cross-selling of bank products, contributing to increased customer engagement and potential revenue growth.
Teller (Cashier)
Indusind Bank
11.2023 - 09.2024
- Managed daily cash transactions including deposits, withdrawals, and remittances with high accuracy.
- Resolved customer queries regarding accounts, balances, and banking services to enhance client experience.
- Ensured high-quality customer service, contributing to increased client satisfaction and retention.
- Processed cheque clearing, demand drafts, and fund transfers (NEFT/RTGS/IMPS).
- Maintained proper cash balance and performed end-of-day reconciliation without discrepancies.
- Ensured compliance with banking regulations, KYC norms, and internal audit requirements.
- Identified and reported suspicious transactions as per AML guidelines.
- Supported cross-selling of bank products, including savings accounts, fixed deposits, and insurance, to meet customer needs.
Education
Bachelor of Commerce - B.COM
MAHARAJA GANGA SINGH UNIVERSITY
01-2023
12th Senior Secondary Examination -
DOON CHILDREN ACADEMY SR SEC SCHOOL
HANUMANGARH01-2020
10th Higher Secondary Examination -
SANSKAR INTERNATIONAL ACADEMY
HANUMANGARH01-2017
Skills
- MS-OFFICE
- Customer relationship building
- Cross-selling techniques
Certification
- Certificate in Financial Accounting, 2021
- Rajasthan State Certificate Information Technology (RS-CIT)
- Post Graduate in Retail Banking
Achievements And Additional Skills
MS-OFFICE, MS-Word, English typing, Travelling, Listening music, Learning New Skills
Languages
- Hindi
- English
- Punjabi
Competency Overview
- Specialized Training Program for Retail Banking.
- Various aspects of Retail Banking & its functions.
- Types of Accounts (Liabilities/Assets) – Demand Deposit (CASA), Term Deposit (FD, RD).
- KYC Policy – Valid OVDs. Documentation required for different types of accounts.
- Account Opening Process.
- Electronic Funds Transfer Modes- NEFT, RTGS, IMPS, UPI.
- Third Party Products – Mutual Funds, Demat, Insurance etc.
- Non-Financial Transactions – Change of Address, Passbook Printing, Statement, Form 15G, Form 15H.
- Digital Banking – ATM’s, POS, Internet Banking, Mobile Banking, Phone Banking.
- Complaint Handling – How to resolve customer Complaints.
- Customer Service – How to handle angry customer, various skills required for customer service and relationship building.
Personal Information
- Father's Name: MANOJ KUMAR
- Date of Birth: 01/04/02
Timeline
Teller (Cashier)
HDFC Bank
09.2024 - Current
Teller (Cashier)
Indusind Bank
11.2023 - 09.2024
Bachelor of Commerce - B.COM
MAHARAJA GANGA SINGH UNIVERSITY
12th Senior Secondary Examination -
DOON CHILDREN ACADEMY SR SEC SCHOOL
10th Higher Secondary Examination -
SANSKAR INTERNATIONAL ACADEMY